About the Author

Alvina H. Lo

Chief Wealth Strategist

As part of the Wilmington Trust and M&T Emerald Advisory Services® team, Alvina is responsible 
for wealth planning, strategic advice, and thought leadership development for Wilmington Trust’s Wealth Management division. She oversees a national team of wealth strategists, financial planners, and thought leadership experts, who together, serve as advisors to high-net-worth individuals and families, business owners, entrepreneurs, and foundations and endowments.

Prior to joining Wilmington Trust, Alvina was the director and senior wealth planner for Citi Private Bank where she served as an advisor to U.S. and international ultra-high-net-worth clients. Previous to that, she served as a wealth strategist with Credit Suisse Private Wealth and managed the third-party trustee platform. Earlier in her career, Alvina practiced law at Milbank Tweed Hadley & McCloy, LLP in the Trusts & Estates group and served as a consultant for Deloitte Consulting and Scient Corporation.

Alvina holds a bachelor’s degree in civil engineering from the University of Virginia where she was a Thomas Jefferson Scholar. She received her JD from the University of Pennsylvania, where she was a member of the Law Review and Order of the Coif. She also holds a Professional Tax Certificate in Estate Planning from New York University School of Law.

Alvina has been recognized by Crain’s New York Business as one of their Most Notable Women in Financial Advice in 2020. The honor recognizes leading women executives in New York City for their dedication to excellence in the financial industry and significant professional, civic, and philanthropic contributions. Alvina was most recently recognized as one of Worth’s Groundbreakers 2020: 50 Women Changing the World. She is a published author on estate planning matters and has lectured at the American Bankers Association, American Bar Association, Delaware Trust Conference, Hawaii Tax Institute, and Barron’s Top Women Advisors Summit. She has been quoted in the New York Times, Barron’s, Bloomberg, and Business Insider. She is admitted to practice in the states of New York and New Jersey. She is also a member of the Society of Trust and Estate Practitioners (STEP) and is a member of Women In America, a professional development group. She is a regional committee co-chair of the Thomas Jefferson Scholarship Foundation for the University of Virginia. Alvina is bilingual and speaks fluent Chinese-Cantonese and basic Chinese-Mandarin.


By the Author

Podcast: Is Your Business Ready to Sell?

Alvina H. Lo |
My Business
Pensive businesswoman reviewing graph and pie chart on window in office..jpeg

Wilmington Trust’s Chief Wealth Strategist, Alvina Lo, shares her insights on this podcast hosted by Trusted Counsel: In Process: Conversations about Business in the 21st Century. In this segment, Is Your Business Ready to Sell, Alvina discusses what business owners and their chief executives should be thinking about in order to get their businesses to a point where they’re ready to be sold.

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With Tax Overhaul, a Thornier Path to Divorce

Alvina H. Lo |
Wealth Planning
Alvina NYT Divorce Hero.jpg

In this recent New York Times reprint, Chief Wealth Strategist Alvina Lo shares her insights. With the rule on alimony and deductions changed, so must the strategy of couples parting ways.In particular, couples going through a divorce should re-examine their tax strategy, as well as their cash flow and spending needs.Wealthier families should consult with their tax advisors to fully understand the tax implications of the new law.

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Videos: Cyber and Personal Security and the Costliest Mistakes in Risk Management

Brian Oard and Alvina H. Lo |
Wealth Planning
Beeton Bollenbacher Hawaii 2018.png

Wilmington Trust’s Brian Oard and Alvina Lo discussed a number of timely risk management topics at the 2018 Hawaii Tax Institute Conference. Watch their conversations with two risk and insurance experts and a former FBI agent and founder of an international risk mitigation firm.Cyber and Personal Security Patrick Conley, a former FBI special agent and founder and CEO of Franklin Global, Inc.

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Videos: Key Factors to Consider When Establishing a Family Office

Brian Oard and Alvina H. Lo |
Wealth Planning

The establishment of a family office is an excellent way for an affluent family to manage their wealth and transfer it from one generation to the next. Wilmington Trust’s Brian Oard and Alvina Lo sat down with industry experts at the 2018 Hawaii Tax Institute Conference to discuss the factors to consider when establishing a family office.

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Integrating Estate Planning and Borrowing

Alvina H. Lo and Andrew Horwitz |
Wealth Planning
Tax Reform and Leverage NC.jpg

Uncovering opportunities under the current tax law. Tax reform significantly increased the ability of high-net-worth individuals and families to pass wealth free of estate, gift, and generation-skipping transfer taxes, while increasing the importance of income tax planning. Borrowing or leverage strategies can be a critical component to protect wealth for your family by minimizing risk and reducing taxes.

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